What does commercial general liability insurance covers?

Answer 1

The answer is found in the insuring agreement of the policy. It states that the company(insurance carrier) will pay all sums the insured is legally obligated to pay for bodily injury and property damage to which this insurance "applies"caused by an occurence in the coverage territory. However you must read the document completely to determine wht is not covered. these policies do have exclusions as to what is not covered. Some examples are exclusions for war,intentional injuries or acts,criminal acts, breach of contracts,pollution work comp injuries to your employees and many others. I suggest you consult a independent agency that is a professional with this type of policy. These type of policies are etremly complex and dependent on the business activity that you are engaged in.